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Honestly, I do not know what to do with the earnings from my writing skills on this blog land. Every time one question brought up in my mind that am I having a financial intelligence? That is why I will share to you about Bills IQ. Have you ever think the way you save money will affect to your future life? Most people had consumed all their monthly income just in a month. So they did not saving any money for the next coming month, then they desired for the next month income too. In the next time, these happened continuously, so they have zero savings. That is bad knowledge with most people in order to their life budget management. I still remember what Robert T. Kiyosaki said on his book, there are people who have financial intelligence and the opposite there are the people who ever do not know what is it exactly.

How to know that you are having the financial intelligence? Just know it from what they do with their current money. Are you using it for liabilities or for assets? For instance, you have just receive your money income then you start to shopping all what you want which actually this is not really you needed such as expensive jewelries and cosmetics (if you are a woman), play station, DVD, home theater, etc, therefore all money ran through only for that. These are categorized as liabilities. Therefore, you do not have a financial intelligence in this case.

If you have some financial intelligence, first you divide your budget for three parts, first for daily requirements costs, second for unpredictable costs, and third think for build an asset. Savings money can be categorized as “a little” asset, because you will receive bank interest. It is better if you think to buy and have a business that will give you source income, and then money will flow to you. Now, the question is, how much do you save your money in a day or week or month? How to manage the budgets?

That is why Bills IQ was handheld. On their website, you can check your Bills IQ. To help you measure your financial health, they also introduce the BillsIQ test. It is fast, free, easy and even fun to use. This company will improve your financial score and give you with assisting the financial health perceptive. They propose to you some program like Debt consolidation, Debt relief, Debt help, and Consolidate debt. You know, a few bad mistakes can bring you to the critical situation and nightmare for years to come. With Bills IQ, improve your knowledge in solving your budgets problem. In addition, they also provide you with their help on Credit card debt, Credit counseling, or even if you are in Bankruptcy.

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